Intuit Inc. (INTU) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, INTU scores 77 out of 100, a B+ grade, under the verdict "Roarable Buy — Very Good Cash & Smart-Money Inflow." The five pillars are:

• Fundamental Cash Engine: 18 / 20. Per the RQD rating, this reflects ROIC of 18.1% and an FCF yield of 6.92%. For a prospective investor, this is the strongest pillar, indicating that the business generates meaningful returns on invested capital and substantial free cash flow relative to its market value.
• Whale 13F Flow: 12 / 20. The rating describes institutional accumulation and options positioning. This is a moderate score, suggesting institutional interest is present but not dominant in the signal.
• Insider Conviction: 17 / 20. Per the RQD rating, this reflects SEC Form 4 and Congressional PTR cluster flow. This is the second-strongest pillar and points to notable insider activity aligned with the thesis, though the underlying trade-level detail is not included in the source data.
• Macro Regime Fit: 14 / 20. Per the RQD rating, beta is 1.24 with sector sensitivity noted. A beta above 1.0 implies the stock has historically moved more than the broader market, which amplifies both upside and downside during volatility.
• Forensic Balance Sheet: 16 / 20. Per the RQD rating, the Altman Z-Score is 5.43, the Piotroski F-Score is 9/9, and Debt/Equity is 0.28. These are strong readings that suggest low near-term solvency concern.

Investor implications: the upside case rests on cash generation, insider signal, and balance sheet strength. The valuation tradeoff is that the stock trades at a P/E (TTM) of 22.9 and an EV/EBITDA of 18.2, and the 52-week range of $252.84 to $682.27 shows the price is well below its prior high, which may reflect sentiment shifts that the source data does not explain. Macro sensitivity, reflected in beta, is a meaningful risk factor.

Per the SEC financials, revenue, operating income, net income, and free cash flow grew across the three reported periods, and debt declined from $11390.7M in FY 2023 to $5411.0M in FY 2025. Per the market data, operating margin is 26.1%, net margin is 20.5%, and ROIC is 18.1%. Per the RQD rating, the Altman Z-Score is 5.43 and the Piotroski F-Score is 9/9, with Debt/Equity at 0.28. Gross margin is listed as 0% in the market data, which is inconsistent with the other margin figures and should be treated cautiously.

• What are the terms and scale of the AI deal referenced in the news feed, and how much of revenue could it affect?
• Why is gross margin listed as 0% when operating and net margins are reported, and what is the correct figure?
• What drove the decline from the 52-week high of $682.27 to the current price, and is it tied to the AI-related pressure described in headlines?
• What are the EPS values for the reported fiscal years, which are listed as N/A?
• What are the identities, sizes, and timing of the Form 4, 13F, and Congressional trades that underlie the insider and whale pillar scores?